Getting Cheap Perkasie Car Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us, many Perkasie consumers feel financially strained by their car insurance policy.

Drivers have multiple to buy insurance from, and although it's nice to be able to choose, it can be more challenging to compare rates.

It's important to compare prices every six months due to the fact that insurance rates are constantly changing. If you had the lowest price a few years ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because we're going to demonstrate the fastest and easiest way to find the best coverage while lowering your premiums.

Choosing the best insurance company for you in Perkasie is easy if you know what you're doing. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these techniques. But Pennsylvania consumers do need to know how companies market on the web because it can help you find the best coverage.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for car insurance. Knowing what controls the rates you pay enables informed choices that may reward you with much lower annual insurance costs.

The list below includes a partial list of the pieces car insurance companies consider when setting rates.

Pay less after the wedding - Having a wife or husband actually saves money on your policy. It means you're more mature than a single person it has been statistically shown that being married results in fewer claims.
Don't sacrifice liability coverage - The liability section of your policy provides coverage if ever you are found liable for causing damage or personal injury in an accident. Liability insurance provides legal defense which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
Rates may be higher depending on your occupation - Jobs such as judges, business owners and financial analysts tend to have higher average rates in part from stressful work requirements and long work days. Conversely, jobs such as actors, engineers and the unemployed receive lower rates.
Teen drivers pay high rates - Youthful drivers in Pennsylvania tend to be more careless when behind the wheel so they pay higher car insurance rates. Older insureds are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
Keep rates low by being claim-free - If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance companies in Pennsylvania award lower rates to people who are claim-free. Your insurance policy is intended for the large, substantial claims.
Your car's features help determine rates - Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your car insurance. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.

How to Compare Car Insurance in Perkasie, Pennsylvania

There are multiple methods to compare car insurance prices but there is one way that is easier and takes less work. You can spend your afternoon discussing policy coverages with insurance companies in Perkasie, or you can stay home and use online quotes to quickly compare rates.

Most of the larger companies enroll in a system that enables customers to send in one quote, and each company then gives them pricing. This saves time by eliminating quotation requests to each individual car insurance company.

To submit your quote information now, click here to open in new window.

One minor caviat to getting quotes like this is you cannot specify which providers you want pricing from. If you prefer to choose from a list of companies to compare rates, we have a page of the cheapest car insurance companies in Pennsylvania. View list of Pennsylvania insurance companies.

It's your choice how you get your quotes, but ensure you are comparing identical coverages for every quote you compare. If you are comparing different limits and deductibles on each one it will be very difficult to determine the best price in Perkasie. Quoting even small variations in insurance coverages may cause a big price difference. Just remember that obtaining a wide range of quotes helps locate lower pricing.

Don't pay full price with these discounts

Companies don't always publicize all their discounts very clearly, so we researched both the well known and the harder-to-find savings tricks you should be using.

Sign Online - A few companies may give you up to $50 for buying a policy and signing up over the internet.
Organization Discounts - Being a member of a qualifying organization is a good way to get lower rates on car insurance.
Federal Government Employee - Employees or retirees of the government could cut as much as 10% off with select insurance companies.
College Student - Kids in college who are attending college without a vehicle on campus may be able to be covered for less.
Drivers Education - Cut your cost by having your teen driver complete a driver education course in high school.
No Accidents - Drivers with accident-free driving histories pay much less as compared to accident-prone drivers.
Pay Upfront and Save - If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
Service Members Pay Less - Being on active duty in the military can result in better rates.
Discount for Good Grades - This discount can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance.

Drivers should understand that most discounts do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, companies wouldn't make money that way.

To choose companies with the best car insurance discounts in Pennsylvania, click here to view.

The car insurance bait and switch

Car insurance companies such as State Farm, GEICO and Progressive regularly use ads in print and on television. They all seem to make an identical promise that you'll save big if you move to their company. How does each company claim to save you money? This is how they do it.

Insurance companies are able to cherry pick for the driver that makes them money. For instance, a desirable insured might be between 25 and 40, has no driving citations, and drives less than 7,500 miles a year. Any driver who meets those qualifications gets the lowest rates and therefore will save when switching.

Potential customers who don't measure up to these standards will have to pay higher prices and ends up with the customer not buying. Company advertisements say "drivers who switch" not "everyone that quotes" save that much. That's the way companies can advertise the way they do. Because of the profiling, you need to get a wide range of price quotes. You cannot predict which car insurance company will provide you with the cheapest rates.

More detailed Pennsylvania car insurance information is located at the Pennsylvania Insurance Department website. Visitors are able to get help finding coverage, find out which companies have the most complaints, read industry bulletins, and read enforcement actions against agents and companies.

The best insurance company isn't always the cheapest

Budget-conscious car insurance is definitely available both online and also from your neighborhood Perkasie agents, so you should compare both so you have a total pricing picture. Some car insurance companies may not provide online price quotes and most of the time these small, regional companies sell through independent agents.

When shopping online for car insurance, it's very important that you do not reduce coverage to reduce premium. In many cases, someone sacrificed liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find for the lowest price.